Many insurers maintain direct repair programs (DRP) in which they contract with selected auto body repair shops to perform repairs according to terms which have been agreed upon by the insurer and the repair shop. This practice by insurers has a number of benefits for the consumer.
Many insurers will provide a guarantee of the quality of the repairs done in a DRP which provides additional consumer protection for claimants. In addition, DRP’s help to contain costs and those savings are passed on to policyholders in the form of lower premiums.
Of course, you always have the choice of where you have your car repaired. Insurers will inform consumers of all their choices, including the benefits of using DRP’s.
Below are some information resources for those who would like to learn more.
Information Resources:
- FAQs about direct repair programs and generic auto parts (III)
This link takes you to the III website for a Q and A on auto insurance repair issues. - Key Issue: Auto Body Repairs (APCIA)
This 2016 study by APCIA examines the benefits of auto insurance direct repair programs. - Auto Body Repair (APCIA)
This link takes you to an APCIA page on auto body repair. - Video: Know Your Options (PCI)
This video provides consumers with advice on knowing their options following an auto accident.